What is the annual fee for the Kotak Mahindra Bank Zen Signature?

The annual fee for the Kotak Mahindra Bank Zen Signature is ₹1,500. It can be waived on annual spends of ₹1,50,000.

Does the Kotak Mahindra Bank Zen Signature offer airport lounge access?

Yes — the Kotak Mahindra Bank Zen Signature offers 8 domestic per year lounge visits, 3 international per year lounge visits.

What rewards does the Kotak Mahindra Bank Zen Signature earn?

It earns 0.83% on eligible spends as Reward Points.

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Zen Signature — Kotak Mahindra Bank Credit Card | Card Manager

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Kotak

mid

•••• •••• •••• 0000

Zen Signature

VISA

Zen Signature

Kotak Mahindra Bank • Visa• Mid

Available onVisaRuPayUPI

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Annual Fee

₹1,500

Base Reward Rate

0.83%

Foreign Tx Fee

—

Tier

Mid

Joining Fee

₹1,500

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

8 per yearmedium

⚠️ Activation: ₹75,000 per quarter

2/qtr; ₹75K prev-qtr spend.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹166

Dining₹5,000/mo

+₹42

Grocery₹8,000/mo

+₹66

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹42

Online Shopping₹8,000/mo

+₹66

Utilities₹3,000/mo

+₹25

Annual earnings

₹4,880

Blended 0.78% effective return

Monthly spend₹52,000

Monthly earnings+₹407

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

1,500 Zen Points welcome (~₹375). From Jun 2025: education ₹70K cap, insurance ₹70K cap, utilities ₹50K cap, govt ₹40K cap; fuel/rent/wallet excluded.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹0.50 depending on redemption (cashback → flights/transfer).
value range
0.83% base reward rate on all eligible spends. 5 pts/₹150.
0.83%medium
Preferred Partners: 1.66% — 10 pts/₹150 on apparel/jewelry/dept/lifestyle.
1.7%medium

—

3 per yearmedium

✓ No activation spend required — access is unconditional.

Forex

No forex markup configured.

Travel

domestic via direct: 8 per year — needs ₹75,000/quarter to activate
8/yearmedium
international via direct: 3 per year — no spend needed
3/yearmedium

Payments

Joining fee: ₹1,500. Annual: ₹1,500.
₹1,500
Annual fee waived on spending ₹1,50,000 per year.
Spend ₹1,50,000
Milestone: spend ₹3,00,000/year → 7,500 bonus Zen Reward Points (only one milestone eligible; credited at end of anniversary period)
+₹1,875 valuehigh
Milestone: spend ₹6,00,000/year → 15,000 bonus Zen Reward Points (only one milestone eligible; credited at end of anniversary period)
+₹3,750 valuehigh